File vault and cloud based document notary service

ABSTRACT

Methods, apparatus, and systems are disclosed for file vault and cloud based document notary service. An example method includes receiving a first document from a first node associated with a first party and a second document from a second node associated with a second party, the first and second nodes remotely coupled to the at least one processor via a network, storing the first and second documents in at a non-volatile machine accessible medium coupled to the processor, the first and second documents respectively assigned to first and second document identifiers, receiving a first request to access the first document, the first request corresponding to the first document identifier, receiving a first authorization from a third node, associated with a third party, that is remotely coupled to the at least one processor via the network, and granting the first request based on the first authorization and the first document identifier.

CROSS-REFERENCE TO RELATED APPLICATIONS

This patent arises from a continuation of U.S. patent application Ser.No. 15/889,049, which was filed on Feb. 5, 2018, which is a continuationof U.S. patent application Ser. No. 15/138,372 filed Apr. 26, 2016, nowU.S. Pat. No. 9,886,684, which is a continuation of U.S. patentapplication Ser. No. 13/993,341 filed on Jun. 12, 2013, now U.S. Pat.No. 9,344,416, which is a National Stage Entry of PCT/US2012/020859filed Jan. 11, 2012. U.S. patent application Ser. No. 15/889,049, U.S.patent application Ser. No. 15/138,372, U.S. patent application Ser. No.13/993,341, and PCT/US2012/020859 are incorporated herein by referencein their entireties. Priority to U.S. patent application Ser. No.15/889,049, U.S. patent application Ser. No. 15/138,372, U.S. patentapplication Ser. No. 13/993,341, and PCT/US2012/020859 is herebyclaimed.

BACKGROUND

Business organizations often store electronic documents for theircustomers. For example, a bank may store Portable Document Format (PDF)copies of a customer's account statements. The customer can then logonto the bank's website and view present and past statements. While thisoffers certain conveniences, this system also creates numerous issuesfor the customer. Some of these are issues are described below in thecontext of a bank customer trying to access his or her past bank accountstatements. This banking scenario is used to for ease of description,but the issues are not limited to the financial sector.

First, a customer may be required to manually log onto the bank'swebsite and individually download statements if he or she wants to keephis or her own copy of the statement. The steps required to do so varyfrom entity to entity, which can be frustrating for a consumer trying tomanage statements from different banks, brokerages, insurance providers,and the like. Second, a consumer must secure and backup any of theelectronic files he or she wishes to archive for any length of time.After all, the bank controls how long old statements may be accessibleonline. Consequently, a consumer storing old statements on a hard drivemay lose those statements if the hard drive fails. Then the customer haslost his or her archived statements. Third, there is no element ofauthenticity for a customer's downloaded copy. For example, an originalpaper statement from a bank may have some level of authenticity to athird party due to, for example, the ink and logos used on thestatement. However, the equivalent document downloaded by a consumer maylack the same level of authenticity because, for example, the thirdparty may fear electronic copies of the record are susceptible totampering. More specifically, there is no independent party to attest tothe legitimacy of the downloaded document and attempt to establish thatthe document was authenticate when it was delivered from the bank to thecustomer. Thus, there is no electronic “notarization” of the documentthe consumer downloads. Fourth, the business determines the securitymechanisms used to ensure the documents are securely stored. Thesemechanisms vary greatly from company to company and may not rise to thelevel desired by the consumer. Fifth, consumers lack a single locationto automatically store records from disparate entities. Sixth, whenconsumers close accounts the statements related to those accounts may nolonger be available online to the consumer.

The issues listed above may have very real consequences. For example,properly archived authenticated records may help resolve legal disputes.A customer may purchase a television from a department store. Thecustomer may pay for the television with a check that eventually clears,as evidenced by a bank statement. However, the customer may eventuallyclose the account. As time goes by, the department store may assert theconsumer never paid for the television. The payment dispute could beresolved if the consumer had access to the statement from the bank.Unfortunately, as indicated above, this statement may no longer bereadily available online to the user because he or she closed theaccount or the statement is simply so old the bank no longer offersaccess to it online.

BRIEF DESCRIPTION OF THE DRAWINGS

Features and advantages of embodiments of the present invention willbecome apparent from the appended claims, the following detaileddescription of one or more example embodiments, and the correspondingfigures, in which:

FIG. 1 includes a flow chart for a process in an embodiment of theinvention.

FIG. 2 includes a flow chart for a process in an embodiment of theinvention.

FIG. 3 includes a representation of a document in an embodiment of theinvention.

FIG. 4 includes a network environment in an embodiment of the invention.

FIG. 5 includes a system for implementing an embodiment of theinvention.

DETAILED DESCRIPTION

In the following description, numerous specific details are set forthbut embodiments of the invention may be practiced without these specificdetails. Well-known circuits, structures and techniques have not beenshown in detail to avoid obscuring an understanding of this description.“An embodiment”, “various embodiments” and the like indicateembodiment(s) so described may include particular features, structures,or characteristics, but not every embodiment necessarily includes theparticular features, structures, or characteristics. Some embodimentsmay have some, all, or none of the features described for otherembodiments. “First”, “second”, “third” and the like describe a commonobject and indicate different instances of like objects are beingreferred to. Such adjectives do not imply objects so described must bein a given sequence, either temporally, spatially, in ranking, or in anyother manner. “Connected” may indicate elements are in direct physicalor electrical contact with each other and “coupled” may indicateelements co-operate or interact with each other, but they may or may notbe in direct physical or electrical contact. Also, while similar or samenumbers may be used to designate same or similar parts in differentfigures, doing so does not mean all figures including similar or samenumbers constitute a single or same embodiment.

In one embodiment, a trusted cloud service such as an “electronic vault”may store records of an individual's electronic data file history. Thesedocuments may come from disparate providers and include, withoutlimitation, financial statements, utility bills, credit card statements,credit reports, medical records (e.g., immunization records,prescriptions), contracts (e.g., waivers for a child to participate inan event), reward programs for airline miles, tax forms, e-mail, shortmessage service (SMS) texts, voice mail, and the like. The vault couldmaintain a master record for each consumer to help consumers have a onestop reference for all their business relationships. For example, theconsumer may see a list of all of his or her point loyalty programs andbalances, with the ability to delve deeper into each one for monthlystatements and to obtain data to contact the businesses.

In an embodiment, once enrolled to the vault a user will receive anelectronic address. A document provider, such as a bank, may be grantedpermission from the user to place data in the user's personal account inthe vault. The identity of the document provider may be verified bysigning the documents with a trusted certificate that can be verified bya certificate authority.

In an embodiment a trusted cloud service may establish relationshipswith document providers (e.g., banks) to facilitate the automaticretrieval and storage of electronic documents on behalf of subscribedconsumers. For example, consumers could create a secure vault account.The consumer would then be able to subscribe for electronic statementsfrom disparate businesses that are listed as providers that cooperatewith the vault service. If a business is not listed, consumer couldrequest that the business be added for subscriptions and/or the consumercould manually upload documents obtained from a business.

The trusted cloud service may act as an online notary to certifydocuments are legitimate and may be trusted. Errors and discrepanciesbetween a consumer and a business could be resolved by referring back tothe vault for a snapshot of what a statement in question looked like atthe time the statement was archived.

Thus, as noted above, embodiments may provide a consumer controlledservice to automate the downloading, organization, retention,validation, and purging of personal electronic records in the cloud.Embodiments may combine document management tools with electronicdocument notarization. A more detailed discussion of embodiments is setout below.

FIG. 4 includes a network environment in an embodiment of the invention.Environment 400 includes node 405 for a consumer, which is coupled (viacloud 410) to document providers at nodes 420, 425. As explained furtherbelow, provider 420 may include banks, credit card companies,brokerages, and the like. Provider 425 may include utility companies,point reward programs, and the like. Block 415 represents a certificateauthority, with concerns encryption described more fully in regards toFIG. 2.

FIG. 1 includes a flow chart for an embodiment of the invention. Inblock 105 of process 100, a system (e.g., vault system) receives a firstdocument from a first node and a second document from a second node. Thesystem may include at least one processor coupled to at least onenon-volatile machine accessible medium (e.g., included as a singleprocessor coupled to single memory included in one chassis, distributedacross several processor cores and several memories in a distributedcomputing system, and the like). For example, the system may beimplemented (without limitation) using the system of FIG. 5. The firstdocument may include a bank statement from the first node, which is aserver managed by the bank. The second document may include a brokeragestatement from a second node, which is a server managed by a brokerageunaffiliated with the bank. The first and second nodes may remotelycouple to the system via a wired or wireless network, such the internet,local area network (LAN), wide area network (WAN), and the like.

In block 110 the vault system may store the first and second documentsin the system. As stated above, the system may include at least onenon-volatile machine accessible medium, which may be used to store thedocuments. This storing may include archiving the first and seconddocuments in a non-volatile memory so that, after a period of timepasses (e.g., ten years), the documents may still be retrieved. Suchdocuments may be useful for, as an example, social security numbers ortitle documents.

The first and second documents may be respectively assigned to first andsecond document identifiers. For example, globally unique identifiers(GUID) may be used to identify the first and second documents. A GUIDmay include a unique reference number used as an identifier in computersoftware. The GUID may be based on various standards (e.g., universallyunique identifier (UUID) standard). In one embodiment each identifier isrepresented as a 32-character hexadecimal string and stored as a 128-bitinteger. The probability of the same identifier being generated randomlytwice is negligible.

In block 115 the system receives a first request to access the firstdocument, the first request corresponding to the first documentidentifier. In an embodiment a first party, such as the aforementionedbank, is associated with the first node. The third node may beassociated with, for example, the bank customer. In that case the thirdnode may be the customer's home computer, personal digital assistant,smart phone, and the like. Regardless, the first request may come fromthe first node, the third node, or some other node altogether. Thus, thefirst request may correspond to the first node (e.g., bank), third node(e.g., bank customer), or somewhere else like a fourth node (e.g.,department store that asserts a bank customer did not pay his or herbill). In other words, many different parties (and many different nodesthat correspond to the parties) may correspond to the first request.

In block 120 the system may receive a first authorization from the thirdnode. For example, a bank customer at the third node may provide asecurity credential (e.g., password) to allow access to a document.However, the bank customer may provide the security credential (e.g., aone time password) to a department store and the department store maysupply the credential to the vault. Either scenario amounts to thesystem receiving (directly or indirectly) a first authorization from thethird node. Further still, the authorization may include the third nodesupplying the email address of a party that desires to access thedocument. The provision of the email constitutes authorization.

In block 125 the system may grant the first request based on the firstauthorization and the first document identifier. For example, if a partysupplies a pass code and a GUID for the statement in question, thesystem may grant access to the document. The requesting party may “getaccess” in several ways. For example, the requested document may bepushed (e.g., sent) from the vault system to the requester using, forexample, the user's email address. However, a party may “get access” byinstead having the vault system allow the user to access the vaultsystem and pull (e.g., download) the document from the system.

In the above scenario, the third party bank customer may have an activeaccount with the first party bank when the first document is receivedfrom the first node (bank). However, the third party customer may haveclosed the account with the first party bank after the first document isreceived by the vault system but before the first request document isreceived from the vault system. Further, the third party customer mayhave no additional account open with the first party when the firstrequest document is received.

FIG. 2 includes a schematic flow chart for an embodiment of theinvention. In block 205 of process 200 a system may hash the firstdocument that was the subject of FIG. 1. Thus, the vault system may hashthe archived bank statement.

In block 210 the system may encrypt the hash with the system's privatekey. For example, the electronic vault may implement an asymmetric keyprotocol with a private key and a corresponding public key.

In block 215 the system may digitally sign the first document bycoupling the encrypted hash to the first document. In block 220 a partymay be granted access to the signed document.

In block 225 an interested party that receives access to the firstdocument may hash the document. In block 230 the party may decrypt theencrypted hash. The party may use the public key corresponding to theprivate key used by the electronic vault system in step 210. The partymay receive the public key from a certificate authority. In anembodiment, the certificate including the public key may be coupled tothe first document.

In block 235 the party may compare hashes of blocks 205, 225 to see ifthe document is authenticate as stored with the electronic vault.

Thus, before granting the request of FIG. 1 the system may encrypt thefirst document with a private key that corresponds with a publicallyavailable public key. Further, the system may digitally sign the firstdocument before granting the request to access the document.

In an embodiment the signed document that is accessed may provide dateinformation (e.g., timestamp included in a watermark or another documentcoupled to the bank statement). The date information may be derived frommetadata originally coupled to the bank statement when that statementwas first received by the archive. Metadata may also include informationsuch as, for example, the IP address for the document provider (e.g.,bank), customer's account number at the document provider, and the like.

The document accessed may be restricted. For example, a timestamp (e.g.,regarding when the document was first transferred from the bank to thevault) may be included in a watermark attached to a PDF of the firstdocument. The watermark may include other data, such as metadata fromwhen the document was originally received by the vault (e.g., metadatamay include the identity of the node from which the document wasreceived).

Based on a digital certificate (from the bank) the vault may understandthe first document was authentically received from a bank in anunaltered condition. This authenticity, when coupled to the authenticityprovided in FIG. 2 (i.e., authenticity provided by the vault), mayprovide a chain of custody that is based on authenticity from the bankto the vault and from the vault to the next document recipient. Thischain may be graphically displayed as shown in, for example, FIG. 3.

FIG. 3 includes document 300, which provides a bank statement having avisible chain of custody including link 305 (indicating when thestatement was received from the bank) and link 310 (indicating when thestatement was accessed on the electronic vault). Links 305, 310 are justexamples of content and may any of varied content (e.g., the party thataccessed the document, how the document was accessed (downloaded by asmartphone at time X), and the like).

Thus, in one embodiment the system receives a document from the bank andthat document has been digitally signed by the bank. The system thendigitally signs the first document with a second digital signaturebefore granting the access request. The second digital signature is fromthe electronic vault. The system then couples the bank statement to awatermark that is based on both of the first and second digitalsignatures. The watermark could include elements such as blocks 305, 310from FIG. 3. The watermark, based on the chain of electronic signatures,quickly shows a viewer a chain of custody and authenticity.

Returning to FIG. 1, block 105 may be implemented in several differentways. For example, the vault system may periodically receive additionaldocuments. The vault system may obtain monthly statements. Thosedocuments may be uploaded by the vault system (e.g., pulled from thebank web site to the vault system) once the user provides the vaultsystem with security credentials such as his or her bank account numberand password for accessing the bank website. However, the vault systemmay instead receive documents pushed from the bank website to the vaultsystem. For example, the user may direct the bank to email PDFstatements to his or her account with the vault system. To facilitatethis the customer may provide his vault account and password to thebank.

Regarding block 120 of FIG. 1, in one embodiment a user may establish aguest account (for another party) on the vault system. Thus, when theinterested party provides the vault system with a security credentialassociated with the guest account, such as a pass code and documentidentifier, the vault system may grant a request to access the bankstatement based on the guest account and the at least one securitycredential.

A guest account may include an account whereby a visitor can gain accessto another user's account with the permission of that user. Thus, a bankcustomer may create a guest account for a department store. The guestaccount allows the store to access the bank customer's account with theelectronic vault. The access may be limited. For example, the user maybe allowed only access to the document for which the user provides therequisite document identifier. In another embodiment, the pass codesupplied to the interested party may be linked to only a singledocument. Thus, when the department store enters the pass code thedesired bank statement is automatically accessed. Guess accounts suchas, for example, the guest account utility in Microsoft Windows XP® maybe used.

Where an established business relationship interface does not yet existbetween the vault and a document provider such as the bank, the vaultcan have a customer register his or her bank website login information(e.g., account number and pass code) and the vault system will use thatinformation to periodically pull the data directly from the documentprovider.

However, in an embodiment the electronic vault may establish asubscription service with a document provider for documents (e.g., bankproducing account statements) on a much larger scale. The subscriptionservice may be implemented in various ways including providing aninterface at the vault for the bank to upload statements, providing aninterface at the bank for the vault to pull documents from the banksite, or a combination of both. Thus, the vault, which may havethousands of consumer subscribers, may access the bank website for eachof its many subscribers, log in to the website, and pull theindividual's bank statement. However, the system may instead receivethousands of statements from the bank using a secure bulk transfer ortransfers of numerous documents per transfer. Thus, in one embodimentthe vault receives, for example, a first bank statement from a bankduring a first transfer transaction and another bank statement from thebank during the same first transfer transaction. The bank statements maybe for different customers. This allows the vault to scale up and avoidoverly burdening the vault and/or the bank with individual accesses forindividual accounts. The bank and/or vault may charge customers aservice charge to compensate for the efforts of the bank and/or vault togather the statements. The vault may market its services to providers,who may then market their compatibility with the vault.

One scenario for using embodiments is a follows. User1 maintains asubscription to the vault service to store his Bank1 statements. Thus,Bank1 statements are periodically stored/archived in the vault. Duringthe process of moving, User1 pays off his Store1 credit card from hisBank1 checking account. User1 remembers that he requested Store1 toclose his account so he does not provide a forwarding address to Store1and never receives a closing statement from Store1. After moving User1switches banks from Bank1 to Bank2. His Bank1 checking account is nowclosed. The following year, User1 applies for a new Bank2 credit cardand is rejected due to a delinquent Store1 account on his credit report.User1 contacts Store1, who denies ever receiving payment. User1 can nolonger obtain online statements from the Bank1 account since it isclosed. He cannot find any of his old Store1 statements.

In an embodiment, User1 logs into the vault system and finds thearchived Bank1 statement that proves he paid the Store1 bill. User1downloads a certified copy of this statement (e.g., the original PDF iscoupled to a vault cover page with instructions, GUID, and metadataincluding timestamps for when the document was originally received fromBank1). User1 emails this statement to Store1. Store1 goes to the vaultand follows the cover page instructions to upload the certified copyusing the vault verification tool. The vault uses the GUID to match thatuploaded document to the archived certified copy and perform comparisonverification to confirm the files match. The vault informs Store1 thedocument provided from User1 is authentic.

Another scenario is as follows. User1 is in a dispute with her publicschool district over her son's Individualized Education Program (IEP).User1 provides guest account access to a subset of documents stored onthe vault. User1 manually uploads all IEP documents, school letters,voicemails, and audio recordings of IEP team meetings to her vaultaccount. The IEP team places User1's son in an expensive out-of-districtprivate school placement. The public school district pays tuition andmileage reimbursement to User1. The public school district has highstaff turnover and records are incomplete and/or lost. Budget cuts putpressure on staff to reduce expensive educational placements. The newspecial education department staff makes unilateral budget-relatedchanges to the IEP based on an incomplete version of the facts anddiffering interpretation of the IEP document. User1 argues with theschool district about the unilateral change. User1 logs into his vaultaccount and creates a guest account for the school district personnel tobe able to retrieve his copies of the documents and meeting audiorelated to the dispute. District employees log in to the guest accountto listen to the meeting recording and review John's version of the IEPdocuments. The school district downloads these records to update theirown files. The school district then decides to maintain the priorplacement for User1's son.

In an embodiment, a user may be able to redact portions of an archiveddocument before sharing the document. For example, a user might redacthis social security information using online vault tools. While thevault validates the authenticity of the un-redacted portions andmetadata, it clearly highlights the redacted portions protecting theconsumer from potential identity theft.

Thus, various embodiments provide more than just information from aprovider (e.g., a bank), but instead provide actual documents (such asPDFs of bank statements) as they were received from the originalprovider, archived at the vault, and then accessed (possibly withwatermarks coupled to the document) by an interested party.

One embodiment includes a method executed by at least one processor.Referring to FIG. 4, cloud vault 410 may receive first document 416 fromfirst node 420 associated with a first party (e.g., bank) and seconddocument 417 from second node 425 associated with a second party (e.g.,utility company), the first and second nodes 420, 425 remotely coupledto the at least one processor of cloud vault 410 via a network (e.g.,internet). Cloud vault 410 may store first and second documents 416, 417in at least one non-volatile machine accessible medium (e.g., memory)coupled to the at least one processor of cloud vault 410, the first andsecond documents 416, 417 respectively assigned to first and seconddocument identifiers (e.g., identifiers “No. 1” and “No. 2”). Cloudvault 410 may receive first request 421 to access first document 416,the first request corresponding to the first document identifier “No.1”. Cloud vault 410 may receive first authorization 418 from third node405, associated with third party (e.g., consumer), that is remotelycoupled to the at least one processor of cloud vault 410 via thenetwork. Could vault 410 may grant the first request 421 based on thefirst authorization 418 and the first document identifier “No. 1”. Firstdocument 416 may corresponds to a first account statement, such as abank statement, between the first (bank) and third (consumer) parties.

The third party consumer may have an active account (bank account) withthe first party bank when the first document (bank statement) isreceived from the first node. However, the third party consumer may haveclosed the account with the first party bank after the first document isreceived but before the first request to access the first document 421is received, and the third party consumer may have no additional accountopen with the first party bank when the first request to access thefirst document 421 is received.

The method may include, before granting first request 421, encryptingthe first document with a private key that corresponds with a publicallyavailable public key (see block 422 and encrypted document 423).

The method may include receiving first request to access the firstdocument 421 from a fourth node 426 associated with a fourth party(retailer that has a dispute with the consumer of node 405).

Examples used herein have often dealt with banks and bank statements butembodiments are not limited to banks or bank statements. The uses forembodiments are varied and include, without limitation, financialstatements, utility bills, credit card statements, credit reports,medical records (e.g., immunizations), contracts (e.g., waivers for achild to participate in an event), reward programs for airline miles,tax forms, e-mail, short message service (SMS) texts, voice mail, andthe like.

Also, as used herein a document is periodically said to be sent fromplace to place (e.g., a bank to the vault) and then possibly accessed ata later time. Notably, “the document” may be embodied in variousinstances of the document. For example, when the vault transfers “thedocument” to a user, doing so does not necessarily mean the vault nolonger retains an instance of the document or that the document was notindeed transferred to the user. Further, transferring the document to auser may entail transferring a multipage PDF document to the user. Themultipage document may include the original bank statement along withadditional PDF pages that include information such as timestamps, andthe like. Those timestamps may instead be included in a watermarkcoupled to the document. Also, PDF forms have been referred to hereinbut documents are not limited to PDF forms and may take other formatsthat still provide authenticity.

Embodiments may be implemented in many different system types. Referringnow to FIG. 5, shown is a block diagram of a system in accordance withan embodiment of the present invention. Multiprocessor system 500 is apoint-to-point interconnect system, and includes a first processor 570and a second processor 580 coupled via a point-to-point interconnect550. Each of processors 570 and 580 may be multicore processors. Theterm “processor” may refer to any device or portion of a device thatprocesses electronic data from registers and/or memory to transform thatelectronic data into other electronic data that may be stored inregisters and/or memory. First processor 570 may include a memorycontroller hub (MCH) and point-to-point (P-P) interfaces. Similarly,second processor 580 may include a MCH and P-P interfaces. The MCHs maycouple the processors to respective memories, namely memory 532 andmemory 534, which may be portions of main memory (e.g., a dynamic randomaccess memory (DRAM)) locally attached to the respective processors.First processor 570 and second processor 580 may be coupled to a chipset590 via P-P interconnects, respectively. Chipset 590 may include P-Pinterfaces. Furthermore, chipset 590 may be coupled to a first bus 516via an interface. Various input/output (I/O) devices 514 may be coupledto first bus 516, along with a bus bridge 518, which couples first bus516 to a second bus 520. Various devices may be coupled to second bus520 including, for example, a keyboard/mouse 522, communication devices526, and data storage unit 528 such as a disk drive or other massstorage device, which may include code 530, in one embodiment. Code maybe included in one or more memories including memory 528, 532, 534,memory coupled to system 500 via a network, and the like. Further, anaudio I/O 524 may be coupled to second bus 520.

Embodiments may be implemented in code and may be stored on storagemedium having stored thereon instructions which can be used to program asystem to perform the instructions. The storage medium may include, butis not limited to, any type of disk including floppy disks, opticaldisks, solid state drives (SSDs), compact disk read-only memories(CD-ROMs), compact disk rewritables (CD-RWs), and magneto-optical disks,semiconductor devices such as read-only memories (ROMs), random accessmemories (RAMs) such as dynamic random access memories (DRAMs), staticrandom access memories (SRAMs), erasable programmable read-only memories(EPROMs), flash memories, electrically erasable programmable read-onlymemories (EEPROMs), magnetic or optical cards, or any other type ofmedia suitable for storing electronic instructions.

Embodiments of the invention may be described herein with reference todata such as instructions, functions, procedures, data structures,application programs, configuration settings, code, and the like. Whenthe data is accessed by a machine, the machine may respond by performingtasks, defining abstract data types, establishing low-level hardwarecontexts, and/or performing other operations, as described in greaterdetail herein. The data may be stored in volatile and/or non-volatiledata storage. The terms “code” or “program” cover a broad range ofcomponents and constructs, including applications, drivers, processes,routines, methods, modules, and subprograms and may refer to anycollection of instructions which, when executed by a processing system,performs a desired operation or operations. In addition, alternativeembodiments may include processes that use fewer than all of thedisclosed operations, processes that use additional operations,processes that use the same operations in a different sequence, andprocesses in which the individual operations disclosed herein arecombined, subdivided, or otherwise altered. In one embodiment, use ofthe term control logic includes hardware, such as transistors,registers, or other hardware, such as programmable logic devices (535).However, in another embodiment, logic also includes software or code(531). Such logic may be integrated with hardware, such as firmware ormicro-code (536). A processor or controller may include control logicintended to represent any of a wide variety of control logic known inthe art and, as such, may well be implemented as a microprocessor, amicro-controller, a field-programmable gate array (FPGA), applicationspecific integrated circuit (ASIC), programmable logic device (PLD) andthe like.

While the present invention has been described with respect to a limitednumber of embodiments, those skilled in the art will appreciate numerousmodifications and variations therefrom. It is intended that the appendedclaims cover all such modifications and variations as fall within thetrue spirit and scope of this present invention.

1. (canceled)
 2. A non-transitory machine-readable storage medium thatincludes instructions, that when executed by a secure data vault systemprocessor at a first node, cause the secure data vault system processorto: cause a storage of a plurality of security credentials, each of theplurality of security credentials associated with a payor customer;automatically retrieve one or more first account documents associatedwith the payor customer from a first payee system at a second node, theautomatic retrieval responsive to a successful validation of a firstsecurity credential associated with the payor customer by the firstpayee system; and cause an automatic storage of the one or more firstaccount documents from the first payee system and associated with thepayor customer.
 3. The non-transitory machine-readable storage medium ofclaim 2, wherein the instructions cause the secure data vault systemprocessor to: establish a cooperation between the secure data vaultsystem and the payee system, the relationship to facilitate thecommunication of first account documents from the payee system to thesecure data vault system.
 4. The non-transitory machine-readable storagemedium of claim 3, wherein the instructions cause the secure data vaultsystem processor to: cause the secure data storage system to form thecooperation with the payee system responsive to receipt of a request bythe payor customer.
 5. The non-transitory machine-readable storagemedium of claim 2, wherein the instructions cause the secure data vaultsystem processor to: automatically organize the first account documentsfrom the payee system.
 6. The non-transitory machine-readable storagemedium of claim 2, wherein the instructions that cause the secure datavault system processor to automatically retrieve one or more firstaccount documents associated with the payor customer from a first payeesystem at a second node, the automatic retrieval responsive to asuccessful validation of a first security credential associated with thepayor customer by the first payee system cause the secure data vaultsystem processor to: automatically retrieve one or more billingstatements associated with the payor customer from the payee system. 7.The non-transitory machine-readable storage medium of claim 2, whereinthe instructions cause the secure data vault system processor to: causea storage of a second plurality of security credentials, each of thesecond plurality of security credentials associated with a second payorcustomer; automatically retrieve one or more second account documentsassociated with the second payor customer from the first payee system atthe second node, the automatic retrieval responsive to a successfulvalidation of a second security credential associated with the secondpayor customer by the first payee system; and cause an automatic storageof the one or more second account documents from the first payee systemand associated with the second payor customer.
 8. A secure data storagevault system comprising: at least one processor; at least onenon-transitory machine-readable storage medium that includesinstructions that, when executed by the at least one processor, causethe processor to: cause a storage of a plurality of securitycredentials, each of the plurality of security credentials associatedwith a payor customer; automatically retrieve one or more first accountdocuments associated with the payor customer from a first payee systemat a second node, the automatic retrieval responsive to a successfulvalidation of a first security credential associated with the payorcustomer by the first payee system; and cause an automatic storage ofthe one or more first account documents from the first payee system andassociated with the payor customer.
 9. The secure data storage vaultsystem of claim 8 wherein the instructions cause the at least oneprocessor to: establish a cooperation between the secure data vaultsystem and the payee system, the relationship to facilitate thecommunication of first account documents from the payee system to thesecure data vault system.
 10. The secure data storage vault system ofclaim 9 wherein the instructions cause the at least one processor to:cause the secure data storage system to form the cooperation with thepayee system responsive to receipt of a request by the payor customer.11. The secure data storage vault system of claim 8 wherein theinstructions cause the at least one processor to: automatically organizethe first account documents from the payee system.
 12. The secure datastorage vault system of claim 8 wherein the instructions that cause theat least one processor to automatically retrieve one or more firstaccount documents associated with the payor customer from a first payeesystem at a second node cause the at least one processor to:automatically retrieve one or more billing statements associated withthe payor customer from the payee system.
 13. The secure data storagevault system of claim 8, wherein the instructions cause the secure datavault system processor to: cause a storage of a second plurality ofsecurity credentials, each of the second plurality of securitycredentials associated with a second payor customer; automaticallyretrieve one or more second account documents associated with the secondpayor customer from the first payee system at the second node, theautomatic retrieval responsive to a successful validation of a secondsecurity credential associated with the second payor customer by thefirst payee system; and cause an automatic storage of the one or moresecond account documents from the first payee system and associated withthe second payor customer.
 14. A method, comprising: causing a securedata storage system processor at a first node to store a plurality ofsecurity credentials, each of the plurality of security credentialsassociated with a payor customer; automatically retrieving, by thesecure data storage system processor, one or more first accountdocuments associated with the payor customer from a first payee systemat a second node, the automatic retrieval responsive to a successfulvalidation of a first security credential associated with the payorcustomer by the first payee system; and causing, by the secure datastorage system processor, an automatic storage of the one or more firstaccount documents from the first payee system and associated with thepayor customer.
 15. The method of claim 14, further comprising:establishing, by the secure data storage system processor, a cooperationbetween the secure data vault system and the payee system, therelationship to facilitate the communication of first account documentsfrom the payee system to the secure data vault system.
 16. The method ofclaim 15, further comprising: causing, by the secure data storage systemprocessor, the secure data storage system to form the cooperation withthe payee system responsive to receipt of a request by the payorcustomer.
 17. The method of claim 14, further comprising: automaticallyorganizing, by the secure data storage system processor, the firstaccount documents from the payee system.
 18. The method of claim 14,wherein automatically retrieving one or more first account documentsassociated with the payor customer from a first payee system at a secondnode, the automatic retrieval responsive to a successful validation of afirst security credential associated with the payor customer by thefirst payee system comprises: automatically retrieving, by the securedata storage system processor, one or more billing statements associatedwith the payor customer from the payee system.
 19. The method of claim14, further comprising: causing, by the secure data storage systemprocessor, a storage of a second plurality of security credentials, eachof the second plurality of security credentials associated with a secondpayor customer; automatically retrieving, by the secure data storagesystem processor, one or more second account documents associated withthe second payor customer from the first payee system at the secondnode, the automatic retrieval responsive to a successful validation of asecond security credential associated with the second payor customer bythe first payee system; and causing, by the secure data storage systemprocessor, an automatic storage of the one or more second accountdocuments from the first payee system and associated with the secondpayor customer.